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Due to market fluctuations, interest rates are subject to change at any time and without notice. Interest rates are also subject to credit and property approval based on secondary market guidelines. The rates shown are based on average rates for our best qualified customers. Your individual rate may vary. If the down payment is less than 20% and based on the selected program and term of the loan, monthly mortgage insurance may be required. Adjustable Rate Mortgage (ARM) interest rate is variable and subject to increase after settlement. Annual Percentage Rate (APR) may increase in the future. Variable interest rates are based upon publicly available indexes and these rates will adjust mirroring the changes in value of the index used. FHA loans require an upfront mortgage premium. Depending on the amount of the principal obligation of the loan in relation to the appraised property value, FHA loans are also subject to a monthly mortgage insurance premium. A funding fee is required on VA loans. This is not an advertisement to extend customer credit. Program rates, terms, and conditions are subject to change at any time. All approvals are subject to underwriting guidelines.